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Special limited time offers
Get a cash Savings rate of 2.00% footnote dagger
First Home Savings Account (FHSA)
Saving for your first home is now easier than ever with an FHSA.
Features
Contributions are deductible on your income tax footnote 1- No tax on investment income footnote 2
- Withdraw tax-free to purchase your first home footnote 3
100% Principal Protection
BMO Growth GIC
Potential to double your money after 5 years with the BMO Growth GIC.*
Features
- Peace of mind – 100% principal protection
- Guaranteed return – 2.50% after 5 years
- Growth potential – additional returns linked to the Solactive Canada Select Large Cap Index
Invest in BMO Mutual Funds
Invest $10,000 or more, or set up a qualifying Continuous Savings Plan, and earn up to $7,600.
Features
- Diversified, cost-efficient, and professionally managed
- Available for all account types
- Investing made easy and accessible
Benefits of working with an investment professional
There’s no one-size-fits-all plan when it comes to growing and preserving your wealth. Whether you’re saving for retirement or a child’s education, or you’re starting to enjoy the rewards of your hard work, the right financial plan is key.
Ongoing expert guidance
Get expert personalized guidance and investment strategies.
Interactive tools
Take control with BMO WealthPath™, our new online planning tool.
Customized support
Find help with planning for retirement, life events, estates, trusts and more.
Want to learn more about investing? Check out these helpful articles.
How to start investing
Learn the investing basics that everyone should know.
Differences between GICs and mutual funds explained
A detailed look at how GICs and Mutual Funds compare and how they can benefit your investment goals.
What is a tax-free First Home Savings Account?
Learn more about the new tax-free First Home Savings Account and how it can help you achieve your dream of owning your first home.
Continuous Savings Plan (CSP) Calculator
Check out how your investments can grow when you make saving a habit.
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- Footnote section details Eligibility requirements, minimum investment thresholds and conditions apply. See Offer Terms and Conditions for details.
- Footnote star details Guaranteed minimum rate of return of 2.50% after 5 years. Rates are not per year and are not compounding. Potential return of up to 100.00% is based on Market Performance after 5 years.
- Footnote dagger details BMO Growth GICs are issued by Bank of Montreal Mortgage Corporation and guaranteed by Bank of Montreal. The principal amount of a BMO Growth GIC is guaranteed and is repayable upon maturity, but there is no guarantee of earning any return linked to the performance of the underlying securities. The rate of return for the term payable, will be the return on the Reference Portfolio but will not be less than 2.50% and not more than the Maximum Rate of Return of 100.00% for the term. The return on a Reference Portfolio is equal to the weighted average of the percentage changes in the values of the equity securities, indices or funds (including exchange-traded funds) comprising the Reference Portfolio (the “Underlying Interests”), calculated as a percentage using the weightings. The rate of return for the term is not an annual rate but is the rate of return over the entire term of the GIC. If market disruptions or other special circumstances affect the calculation of the return, the calculation agent may adjust or delay the calculation or payment of interest, estimate the value of an underlying security, replace a security and/or determine the amount of interest, if any, that may be payable in an alternate manner. Past market performance is not an indicator of future market performance. Rates are not per year and are not compounding and paid at the end of the 5-year term. Rates are subject to change without notice. Speak with a representative to confirm current rates. The terms and conditions for BMO Growth GICs are available at your local BMO Bank of Montreal branch.
- ®Trademarks of Bank of Montreal
This message is for information purposes. The information contained herein is not, and should not be construed as, investment, tax or legal advice to any party. Investments should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance.
If you are investing in an RRSP, TFSA, or FHSA you are responsible for ensuring you are within your contribution limits. Tax benefits depend on individual circumstances. You should consult with a tax professional for advice specific to your situation.
- Investment advice and investments, including BMO Mutual Funds, are provided and distributed by BMO Investments Inc., a separate legal entity from Bank of Montreal registered as a mutual fund dealer and investment fund manager. Learn more about the services provided by BMO Investments Inc. – and how we get paid – at bmo.com/ourrelationship.
- “BMO (M-bar Roundel symbol)” is a registered trademark of Bank of Montreal, used under license.
- Some Financial Planning, Investment & Retirement Planning services - including mutual funds investing advice - are provided by BMO Investments Inc., a mutual fund dealer and separate legal entity from Bank of Montreal. Learn more about the services we do and don’t provide – and how we get paid.
- Footnote 1 details Contributions made to your FHSA may be deductible on your income tax and benefit return. Maximum contribution limits apply. Visit bmo.com/fhsa for details.
- Footnote 2 details Includes interest, dividends, and capital gains. Speak to your tax advisor for details.
- Footnote 3 details If you withdraw from your FHSA for a purpose other than purchasing a home, any amounts withdrawn are taxable and subject to withholding tax.